Nationwide rate shopping
Date the rate. Play the field.
We don’t sell you a loan. We show you who’s advertising competitive home, auto, and personal loan pricing — from public lender pages, without a lead form.
Why LoanMate exists
Our aim and purpose: democratized transparency
LoanMate exists to democratize transparency among lenders and financial institutions. Instead of reaching out to multiple lenders one by one to request rates, consumers can compare and shop lenders side by side, in one location.
What we show you is what the lenders themselves publish on their own websites — consolidated into one place so you can see it for yourself and decide which bank, credit union, or lender is the best fit for you.
We add lenders and re-check rates every day, so you always see the freshest offers on the market.
Rates last refreshed 2026-10-05 · data as of 2026-10-05
Public observations
Purchase mortgage rates
Choose a loan type and term, then sort rates from public lender pages. Every result is labeled by loan type so unlike products do not blur together. Published assumptions differ; open each source before relying on a quote.
Rates shown are advertised rates for borrowers in Massachusetts. Dataset refreshed October 5, 2026 — each rate row shows its own last-verified date.
Out-of-state lender coverage reflects verified licensing and availability data as of September 28, 2026; lenders without verified coverage in a state aren’t shown.
Home Loans: compare purchase mortgages, refinances, HELOCs, and home equity loans. Auto and personal loans are separated into their own categories above.
| Lender & product | Rate | APR | Points | Verified | |
|---|---|---|---|---|---|
600 Atlantic Federal Credit Union ARMPurchase mortgageMA localMA HQCredit unionhigh confidenceTerms & assumptionsagent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page unchanged since 2026-10-02, number re-extracted identical; page effective date: 09/10/2026 | 5.5%Rate may increase after the fixed period. | — | Not listed | 2026-10-05 | Source ↗ |
Greenfield Savings Bank10/1 ARMPurchase mortgageMA localMA HQBankhigh confidenceTerms & assumptionsagent-verified 2026-10-02 via live page fetch (browser.open); page shows no effective date (blank 'Rates are current as of .'); Purchase Special - First Time Home Buyer 10/1 ARM; margin 3.000%; FTHB only; caps 2%/5% | 5.5%Rate may increase after the fixed period. | 6.266% | 0 | 2026-10-02 | Source ↗ |
Country Bank for Savings10-year fixedPurchase mortgageMA localMA HQBankhigh confidenceTerms & assumptionsagent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: september 29, 2026 | 5.625% | — | Not listed | 2026-10-05 | Source ↗ |
Naveo Credit Union5/1 ARMPurchase mortgageMA localMA HQCredit unionhigh confidenceTerms & assumptionsagent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 09/29/2026 | 5.625%Rate may increase after the fixed period. | — | Not listed | 2026-10-05 | Source ↗ |
Metro Credit Union15-year fixedPurchase mortgageMA localMA HQCredit unionhigh confidenceTerms & assumptionsagent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: er 17, 2026 | 5.75% | — | Not listed | 2026-10-05 | Source ↗ |
Needham Bank ARMPurchase mortgageMA localMA HQBankhigh confidenceTerms & assumptionsagent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page unchanged since 2026-10-02, number re-extracted identical; page effective date: September 10, 2026 | 5.75%Rate may increase after the fixed period. | — | Not listed | 2026-10-05 | Source ↗ |
Country Bank for Savings15-year fixedPurchase mortgageMA localMA HQBankhigh confidenceTerms & assumptionsagent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: september 29, 2026 | 5.75% | — | Not listed | 2026-10-05 | Source ↗ |
Lowell Five Bank15-year fixedPurchase mortgageMA localMA HQBankhigh confidenceTerms & assumptionsagent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: October 10, 2026 | 5.75% | — | Not listed | 2026-10-05 | Source ↗ |
Mass Bay Credit Union5/1 ARMPurchase mortgageMA localMA HQCredit unionhigh confidenceTerms & assumptionsagent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 09/18/26 | 5.75%Rate may increase after the fixed period. | — | Not listed | 2026-10-05 | Source ↗ |
Naveo Credit Union7/1 ARMPurchase mortgageMA localMA HQCredit unionhigh confidenceTerms & assumptionsagent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 09/29/2026 | 5.75%Rate may increase after the fixed period. | — | Not listed | 2026-10-05 | Source ↗ |
St. Anne's Credit Union5/1 ARMPurchase mortgageMA localMA HQCredit unionhigh confidenceTerms & assumptionsagent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: September 23, 2026 | 5.75%Rate may increase after the fixed period. | — | Not listed | 2026-10-05 | Source ↗ |
Westport Federal Credit Union15-year fixedPurchase mortgageMA localMA HQCredit unionhigh confidenceTerms & assumptionsagent-verified 2026-10-05 against lender rate page (snapshot-context check); carried forward from 2026-10-02 verification; page content-changed since 2026-10-02, number re-extracted identical; page effective date: 12/11/2025 | 5.75% | — | Not listed | 2026-10-05 | Source ↗ |
No payment amount is shown in this comparison table. Confirm the current annual percentage rate, repayment terms, fees and eligibility directly with the lender.
APR-only observations (8)
These lenders published an APR but not the underlying note rate, so they are not ranked in the rate leaderboard.
| Lender & product | Rate | APR | Verified | |
|---|---|---|---|---|
| Align Credit Union10/1 ARMPurchase mortgageMA local | Rate not published | 5% | 2026-10-05 | Source ↗ |
| Cape Ann Savings Bank10-year fixedPurchase mortgageMA local | Rate not published | 5.25% | 2026-10-05 | Source ↗ |
| Align Credit Union3/1 ARMPurchase mortgageMA local | Rate not published | 5.625% | 2026-10-05 | Source ↗ |
| Wrentham Co-operative Bank15-year fixedPurchase mortgageMA local | Rate not published | 5.625% | 2026-10-05 | Source ↗ |
| Reading Cooperative Bank30-year fixedPurchase mortgageMA local | Rate not published | 5.75% | 2026-09-30 | Source ↗ |
| Wrentham Co-operative Bank15-year fixedPurchase mortgageMA local | Rate not published | 5.786% | 2026-10-05 | Source ↗ |
| Reading Cooperative Bank30-year fixedPurchase mortgageMA local | Rate not published | 5.829% | 2026-09-30 | Source ↗ |
| Align Credit Union5/1 ARMPurchase mortgageMA local | Rate not published | 5.875% | 2026-10-05 | Source ↗ |
Browse by goal
Four ways to use your equity
Buy a home
Fixed and adjustable purchase mortgages.Compare mortgage rates →Refinance
Genuine refi rates separated from purchase-table assumptions.Compare refinance →Open a HELOC
Variable lines, intro periods and post-intro pricing.Compare HELOCs →Borrow a lump sum
Fixed home equity loans with set terms.Compare home equity →Common questions
How does LoanMate.ai verify loan rates?
We collect loan-rate figures every day directly from lenders’ own published rate pages, then check them against plausibility ranges before they appear. Every rate row shows its own last-verified date and links to the lender’s source page so you can confirm it yourself. Stale or low-confidence observations are kept out of the rankings.
Does LoanMate.ai sell my information to lenders?
No. We are an independent comparison publisher, not a lender or lead broker. We never ask for your name, email, or phone number, and we never sell leads or send your details to lenders. Rankings follow only the criteria you select — no lender can pay to rank higher.
Are the rates on this site binding offers?
No. Rates vary by lender and can change frequently. Everything here is publicly advertised information from the listed verification date — not a quote, offer, or approval guarantee. Confirm current pricing, fees and eligibility directly with the lender before applying.